WSJ: Barney Breaks It Down, Who really caused the credit crisis? - 'Barney Frank has found another cause for the credit panic: racist Republicans. "They get to take things out on poor people," the House Financial Services Chairman said at a Boston symposium Monday. "Let's be honest: The fact that some of the poor people are black doesn't hurt them either, from their standpoint." No one thinks poor or black people are to blame for the lending mania at the root of the mess. But there is little question that it resulted, at least in part, from a push to relax lending standards so as to make it easier for poor and minority borrowers to get mortgages. This in turn created incentives for banks to make bad loans, many of which Fannie Mae and Freddie Mac acquired...'